Revamp your Outdoors for Summer

Revamp your outdoors for summer and at the same time add value to your home. If your inside space is limited then designing your backyard could be the clever way to add to your lifestyle, extend your home and most important make it more appealing. By simply laying down decking or a patio and creating a sunroom you already have another room. Your backyard could hold all the potential to increasing the value of your home and your day to day living. Is your backyard looking a little tired, but you don’t have much spare cash? At Pierre Finance we can arrange a very competitive loan to suit your budget, so you can have your backyard looking fabulous in time for summer.

The first thing to do is re-organise it. look at how the uses need to be divided. For example a storage area for gardening equipment, a purposeful place for drying your clothes, a kids play area, and most important the sun spots, shady spots for relaxing on those loungers. The best thing to do is draw a draft of what you want. Take into consideration where plants and trees are, so you may need an experts advice in the beginning.

So, now we come to whether to lawn or to not! They do get neglected especially when there’s a water shortage. They do take some time to maintain and can look unattractive if over dry or overgrown You may be better off having a patio, or deck with decorative stones and maybe concentrate more on some flower and shrub beds or decorative pots.

Here comes the fun bit. Instead of just creating a random hectic area, why not give it a theme. You may be into retro, Asian, tropical, cottage, or even nautical. Your plants, furniture and garden ornaments like statues, lighting, and soft furnishings need to represent it. You could however continue with your indoor style and simply extend it outdoors. If you give it a theme it has a purpose.

Finally shade is an important element as it’s no fun sitting in 30 degrees of heat trying to relax or entertain. Umbrella’s are the cheapest option but to create a proper sense of an extra room you really need to invest in an awning or shade sails. Not only do they look good they also do the job. Finish off your outdoor haven with anti mosquito candles like the popular citronella, and also lemongrass looks nice and you can plant it in pots, so it won’t take up too much space. Hanging candles from tress and shrubbery can add instant atmosphere, and of course the people. Enjoy!

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Pool Dreams a Reality

Whatever your reason for wanting a pool at Pierre Finance we can bring your pool dreams a reality. Firstly we can discuss and evaluate your reasons. Is it for fitness, for fun, just to cool down in the evil Australian sun or even to have friends and family around for pool parties? Remember a pool can add great value to your property, so done carefully and thoughtfully can be an investment.

It is also important to check installation guidelines for your property and area so there are no legal factors. This can effect the size, shape and extras you may want fitted like whirl pools, slides and sun bathing area.

Choosing your pool!

An above the ground is the least expensive and easiest to construct. It is also easy to move or take out. Don’t have an ugly image in your mind as they can work well with great landscaping that can include decking done in a clever way to make it look more like an in-ground one. Prices can be anything from $3000 up to $8000 with the filters, electrics and landscaping on top. These pools can last around 25 years and a decent lining around 15.

In-ground fibreglass pools are more durable and can be moulded easier into the shape and size your require. It’s surface is smooth so it’s produced at the manufacturers site into one piece. The pool itself is around $25,000 not including electrics, filtration, fencing and surrounding landscape. An advantage of fiberglass is that it’s algae resistant.

The most expensive pools are custom made concrete designs. Tiling is the most expensive, but a glass bead or pebble interior can bring the price down a bit. the pebbles and glass are smoothed on with plaster and then blasted to reveal an even smoother surface. Glass and tiles come in a variety of colour choices to work with your landscape and surroundings. Tiles are more expensive only because of labour costs. You need to budget over $50,000 for a concrete pool.

Whatever you choose remember to think about any labour costs, water usage, chemicals, pumps and other equipment needed. There are some solar powered pool systems around which could save in the long run. But a warning to be covered for an drought periods.

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Top 5 Small Cars

After doing a bit of research I’ve found Australia’s top 5 small cars. For the budget conscious and those with out families, read on to see what’s out there and why they are the best on the road. Remember at Pierre Finance we can help you on your way to affording one of these economic stars just a phone call away.

Volkswagon Golf 118 TSI

It’s no surprise that the Golf is up there among the best. This 5 door 5 seater hatch is an excellent runner. It has a spacious interior and also has a decent off road grip.  The engine’s are variant but I liked the Turbo 1.4 MPFI for economic purposes with out loosing the speed and comfort. If you like a car that handles like a dream, looks good and will go the distance this is it. The crash safety rating is 5 stars and the green 4.5. Brand new these retail at around $28,000.

Peugeot 308 Access

This compact 5 door has an unusual large boot, so great if you are a golfer or love getting away from it all. The interior has a classy feel and is really comfortable. The 18 inch wheels give it a sporty edge yet the drive is not as smooth as the Golf and the transmission through the gear change feels a bit delayed. The front interior doesn’t offer up much space either. However for a 1.2l Turbo MPFI it’s not retailing bad at $17,000 to $20,000. The top end of this car is it has 5 stars for it’s crash rating and it’s green score.

Mazda 3

For those who prefer an automatic this 5 seater Mazda is a superstar. This 2l engine offers a buzzy ride and is economic on long runs. A nice interior and a cool looking exterior is ideal for those wanting that little bit more from a small car. I like the tinted windows and the built in sat nav. Just those little extra’s that can make a difference. This car has 5 stars for crash safety and a 4.5 star green rating. Priced from $20,000 to $24,000 depending which model or dealer.

Hyundai i 130

Great value automatic 5 door hatchback with a 1.8l engine giving it a nippy ride. It has really comfortable seats, a generous boot has 4.5 green stars and a 5 star safety rating. Excellent value at around $17,000 and attractive to those who want a decent looking new car that is great value all round.

Toyota Corolla

This 5 star rated green car and also 5 star crash safety score gives it an edge like the Peugeot. It has a nice interior and is comfortable to drive. The drawback is a small boot, but it is a really economical manual geared car. The engine might not be as sharp as the Golf Or Mazda, but it’s very sufficient for the price, at around $17,000.

So that’s the cream of the crop for your small car choices in Australia. As stated above we can help with all your financial needs, just call our friendly team for any advice.

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Home Loan is Rejected!

Have you found your home, get set to buy it and then discover your application for your home loan is rejected.

Rejected applications for finance are a touchy subject, but the main thing is not to give up. There are never two lenders the same so it’s worth shopping around. Just because one lender has rejected your application doesn’t mean to say they all will. Everyday at Pierre Finance we strive to achieve your financial needs and also at competitive rates. We use a variety of companies to achieve the best rates. We shop around while you relax.

It is always good to do some research beforehand as loan rejections can leave  a black mark against your credit rating, which will make it even harder.

The best way is to read on and follow our simple steps:

  • It is always good to find out why your application was rejected. Sometimes there could be a simple solution, or it may not even be your fault.
  • You need to look into your credit history and find out if there is any evidence. There’s lots of different reasons for marks on your credit, like an overdraft, an unpaid bill that has slipped through the net or a default on a past loan or mortgage. So the first thing to do is sort any marks, pay all your bills on time and even try to save a little. It doesn’t matter how much as long as it’s regular. The more reliable your finances look the more options you will have.

If you do happen to have a loan rejected then don’t despair. It is a common thing and it doesn’t mean failure. As long as you prove that you are sensible and reliable with your finances then you shouldn’t have a problem. A savings plan of any kind is the best foot forward.

Contact our expert friendly team anytime.

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Boat Lovers Dream

If you are into your boats then look no further than the affordable Dehler 38, a boat lovers dream. This mix of contemporary design with splashes of art deco shows how creative and unique the design is from Vroliijk and Judel. Whether you are into cruising, racing or simply enjoy yacht life with family and friends this new generation of Dehler really are something innovative and special.

At Pierre Finance we are here to make your dreams happen. This affordable beauty is on the market for $355,000 which is not bad for such a good looking, well designed yacht. With the right finance in place we make sure your in budget and not out of your depth. Our service is based on the non stressed finance options.

The deck design has clean lines whatever lay out you choose. The fact that you can choose the layout to suit your sailing style and needs is an important added bonus. The steering is a comfortable, short handed twin wheel system and also accompanied by 6 winches and Harken deck gear. Experienced sailors will appreciate the responsive handling of this well balanced, stable yet lightweight yacht, with it’s dream helm, making it a serious racing contender.

The main features:

  • Choose from custom materials for the inside
  • Large fully equipped bathroom
  • Extensive side windows for great visibility
  • Spacious open plan cockpit
  • Brand new hull
  • Contemporary, clean cut deck design
  • Layout options for 2 or 3 cabins

The whole package is here for those seriously looking for a 38 foot cool performer. With this yacht you will be the envy of many a seasoned sailor as it will cause interest in any harbour moored up or out on the water doing it’s stuff. Dehler really have put in some serious passion with this latest head turner design.


  • It weighs a standard 7 tonnes
  • Upwind sale is 79.3 square metres
  • The engine is a Volvo Penta 30
  • Optional 300l water tank
  • 160l fuel tank
  • 3.75m beam
  • 2/2.3/1,6m draft

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Skoda Fabia

Top Safety Cars

As specialists in car loans we like to find out the top safety cars on a regular basis. 

WHAT price do you pay for your safety in your car?

As parents we get to pick and choose what we drive but our younger drivers tend to end up with older and cheaper models that have been either passed down or simply picked up cheap. The problem is with older models they are not equipped as safely as newer types. Our concern is that so many of our young drivers just want to get out on the road and don’t really look into the car’s safety they are driving.

The Australasian New Car Assessment Program now gives cars a star safety rating. But this has brought about worrying news as if cars have a 3 stars or less and the car is involved in an accident the chances of fatalities or serious injuries is higher. The really bad news is that research shows that our young drivers are among the highest in accident statistics. The same types of cars seem to be involved in road fatalities also.

The problem is that some old cars seem to be cool to our young drivers, something we have to over rule. However the good news is that it is not that expensive to buy a safe car with a 5 star rating. Some older cars still carry the 5 stars, it’s just a matter of doing the research.

It is always worth having a car checked out thoroughly before buying it. Has it been in an accident? Check the official star rating. Always buy cars with airbags and electronic stability control as this is essential should the car be involved in a skid and the driver looses control, and anti lock brakes are an added bonus.

The best cars for safety at the moment are the Skoda Fabia, Grand Cherokee, and the Nissan Navara.

It’s always best to check with ANCAP direct.

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Equipment Finance

This month I want to remind you about our equipment finance no matter what industry you might be in.

Mining and construction are big in Australia so we have devoted experienced professionals from within our finance company that only focus on this loan section. According to a report from IBISWorld towards the end of this year and going into 1016 we will see an increase in revenues of around 7.1% which is forecast to reach 8.4% by 2016 and 2017. This is a great recovery prediction after the last 2 years fall.

Rail, road engineering and construction are expected to improve by 2016 with some major transport projects planned by the Government. Construction of apartments and other developments are also on the increase whereas telecommunications will stay  pretty much on the level it is now.

Construction in the mid markets is showing a healthy contribution to the Australian economy. Our equipment finance  as helped many small and medium enterprises start up and grow. At Pierre Finance our equipment finance team are industry professionals who are here to assist you in the right decisions based on your income and budget.

We have assisted companies that need:

Lifting Equipment

Earthmoving machinery




Crushing machines

Screening equipment

Graders and scrapers


Mining and construction machinery

Excavation equipment

and more.

Take advantage of our low rates and avoid using your hard earned capital to invest in your future. We know that selecting the right loan is crucial to the growth of your company or business. By forging solid relationships with us you will have a our support long term

It doesn’t matter how big or small your company is we can offer you the very best of what is out there in terms of loan and repayments.

Don’t hesitate to contact our team for any advice here.

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ski chalet

Affordable Winter Property

Ever dreamed of owning your own winter retreat? Thanks to the current economic climate affordable winter property is in abundance. At Pierre Finance we are here to help you realise your dreams. One of the best times to vacation in Australia is in the winter. This could also mean a wise investment. Skiing is a sport for all the family so investing in an alpine home could be a wise move both for yourself and for potential rental prospects. So from June through to August there’s plenty of potential for renting out a ski home.

So where to look! Australia has some awesome ski resorts, so I’ve listed the best below.

Thredbo has the best slopes and is conveniently located between Melbourne and Sydney. It’s popular among foreigners and also domestic enthusiasts. This stunning resort offers excitement on the more advanced slopes while it does have calmer slopes for those not so brave or skilled. The nightlife on offer is vibrant and lively, so it’s not a place for those wanting a quieter ski holiday.

Falls Creek

Famous for being home to Australia’s National Cross Country Ski Team puts this firmly high on the list. This idyllic resort offers stunning countryside with some of the best slopes. Also well known for hosting International and Australian national competitions.

Mt Buller

This the easiest resort to access by road in the whole of Australia. It is only 3 hours away from Melbourne, so it’s ideal for visitors. These slopes cover a massive area of 9 km and according to my skiing and boarding friends it’s popular with adrenaline junkies. Some of the trails are also made for cross country experts and beginners. There’s some great discounts to be found here for students, so bare that in mind if you look for a property here.

Mt Hotham

Hotham is said to have the most natural snow in Victoria and has gained the nickname of the ‘Powder Capital’. Ideal for learners as the powdery easy slopes offer great skill building opportunities. For the more experienced Hotham also has plenty of steep runs.

Mt Perisher

This is the largest out of the above standing at 2000m. As it’s located in Kosciuszko National Park it can be reached by road, shuttles and helicopter.

So according to my skiing and boarding friends these are your skiing hotpots to check out properties to enjoy and also for holiday rental purposes.

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Buying a Unit

It’s very difficult for first time buyers to buy a detached property, so buying a unit has become a popular choice of first home. This is particularly popular with those wishing to live in the hustle and bustle of cities like Melbourne, Brisbane, Perth and of course Sydney. Units are proving more and more popular among younger clients who want to experience city life before they settle down and have a family.

So the best advice when looking for a unit is to find a well maintained block that has a good ratio of owners more than renters. Well looked after blocks will attract buyers so for future capital gains I would also invest in a decent looking building with a structured maintenance program in place. This could also mean less costs for you. The location should be within walking distance of transport, shops, schools, restaurants and recreational amenities.

A quiet street is also a bonus that could possibly be near a park or leafy area. The building itself as mentioned above should be in good condition and not have any distinguishing structural cracks that could develop into a more serious and expensive problem later. Always get a professional inspection.

Another important factor is to choose a unit that does not face a busy road. You want to be able to open windows to create air flow and to receive minimal noise intrusion. Good ventilation will prevent any musty smells and also allow in natural light.

Try to get a unit that is 80 square metres or more in floor space and avoid one bedroom properties as they don’t sell very well. The level is quite important as well, so go for 1st or second floor for security reasons and easy access or the ground floor if you need the outdoor space. Ground floor properties are very popular with the older investor for obvious reasons and those with young children so bear that in mind also.

Always go for a unit with a car space. This is always attractive to all investors and should you wish to rent it later, tenants in cities always ask for a car space.

So there’s just a few tips for those considering a unit to get them on the ladder. At Pierre Finance we are here for all your financial needs and advice.

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Mustang Madness

Australia has gone Mustang madness as the new Ford Mustang is revealed to be imported for the first time in years. Six months prior to its actual launch date Mustang enthusiasts have put down over 2000 deposits, with the V8 GT models being the most popular. As soon as Ford made the announcement the phones in the phones in the importers office ‘The Blue Oval Brand’ went crazy. Some even put down deposits of $600 before the specifications were released.

The models coming over are the EcoBoost 4 Cylinder Turbo Fastback at $44,990, the V8 at $54,990 and the convertibles will be around $6500 more. As well as in America the V8 5 Litre GT Fastback auto holds around 42% of the orders. But a spokesman for Ford said in time that will probably change. Ford seems to think that the EcoBoost model will remain a strong seller over a period of time.

True Mustang enthusiasts have ordered more than one and one sports car rental company has ordered 20. Members of various Mustang clubs are placing deposits on a few models, so they don’t miss out. Race Red seems to be the popular choice with black and magnetic coming close. All the models will have the standard performance pack which includes a K Brace that sits under the hood and secures the strut towers to the bulkhead, a larger sway bar on the heavy front springs on the FastBack and unique classic Mustang tuning. All models will have a rear limited slip differential. Pricing and Models

2015 Ford Mustang pricing (plus on-road costs):

  • EcoBoost Fastback manual – $44,990
  • EcoBoost Fastback auto – $47,490
  • EcoBoost Convertible auto – $53,990
  • V8 Fastback manual – $54,990
  • V8 Fastback auto – $57,490
  • V8 Convertible auto – $63,990

Quick review by Jez Spinks (Car Advice)

Crucially, the famous American muscle car will be more attainable than ever before as a result of the One Ford approach that has made the new, sixth-generation model a global rather than US-only model – also factory-built in right-hand drive. Read more here
For advice on car loans and a competitive deal, call our friendly highly skilled team at Pierre Finance.